It’s not just not spending the $75K, it’s also how else we could spend that same amount. So give the person a $30K wheelchair and use the other $45K to treat obesity or cancer or burn victims.
You do essentially want to see some “bang for your buck.” And what you want is a standard and agreed-upon process for that, which the rejection / arbitration / IRB process is.
Also there’s not exactly a ton of research on what “medical expenses are going to be incurred” by not using this technology.
Here’s Canada’s health board assessment of the Rewalk:
https://www.cadth.ca/rewalk-robotic-exoskeletons-spinal-cord-injury
“Benson et al. reported a high incidence of skin issues. Five grade 1 skin aberrations occurred in three participants, and 10 grade 2 aberrations occurred in five participants. All of the skin aberrations resulted in interruptions to the training program, and two participants were forced to withdraw because of recurring skin issues.”
“Esquenazi et al. mentioned instances where users lost their balance and either saved themselves from falling or were stabilized by staff.12 The same authors also reported instances where the device misfired and failed to step, a situation that might lead to an adverse event. This deficiency has reportedly been addressed by the manufacturer. Benson et al. cautioned that the continuous expert supervision characteristic of clinical environments may underestimate the real risk of falls and fractures in community settings.”
“Another study indicated that most participants reported a slight increase in pain after using the exoskeleton and that, overall, the device did not meet participant expectations regarding perceived benefits and impact on quality of life.”
“No participants achieved walking velocities close to those necessary to safely cross a road.”
“Despite these potential advances, wheelchairs are likely to remain the most important mobility technology for people with SCI for at least the next decade.”
“As of early 2015, ReWalk Robotics reported 99 devices in service worldwide”
I think it’s safe to say that the insurance company had a lot of good reasons for sending this to an IRB.